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	<title>Portland Mortgage Broker</title>
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	<description>Greg Downey, Portland Mortgage Broker and Home Loan Professional</description>
	<lastBuildDate>Tue, 23 Mar 2010 04:00:26 +0000</lastBuildDate>
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		<title>My client needs a payday loan!!</title>
		<link>http://www.portlandmortgagebroker.net/my-client-needs-a-payday-loan.html</link>
		<comments>http://www.portlandmortgagebroker.net/my-client-needs-a-payday-loan.html#comments</comments>
		<pubDate>Mon, 22 Mar 2010 04:44:02 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>

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		<description><![CDATA[I had a client this month blow her purchase loan out of the water by missing two credit card payments righ before we closed. This got me thinking about the great world of payday loans. “What are payday loans?” you might ask. Well, this client very much needed a payday loan. She could have secured [...]]]></description>
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		<title>I passed!</title>
		<link>http://www.portlandmortgagebroker.net/i-passed.html</link>
		<comments>http://www.portlandmortgagebroker.net/i-passed.html#comments</comments>
		<pubDate>Thu, 11 Mar 2010 19:33:52 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[national mortgage test]]></category>
		<category><![CDATA[NMLS test]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/?p=76</guid>
		<description><![CDATA[I&#8217;m pretty proud of myself right now. On Monday, I took the dreaded National Mortgage Licensing System test that tells me whether I get to have a job after May 31 or not. It is a 3-hour testing session &#8211; proctored, video monitored, empty-your-pockets &#8211; the whole bit. More than 1/3 of all loan officers [...]]]></description>
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		<title>Too important to fail</title>
		<link>http://www.portlandmortgagebroker.net/too-important-to-fail.html</link>
		<comments>http://www.portlandmortgagebroker.net/too-important-to-fail.html#comments</comments>
		<pubDate>Tue, 09 Feb 2010 23:08:40 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[negative equity]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/?p=74</guid>
		<description><![CDATA[It’s been awhile since I’ve blogged, but the time is nigh to get back at it. As I was talking to one of my friends earlier today about the whole meltdown and credit/housing crises, we inevitably ended up talking about how much money the government has spent trying to make this problem go away. At [...]]]></description>
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		<title>The 4.5% rate is here!</title>
		<link>http://www.portlandmortgagebroker.net/the-45-rate-is-here.html</link>
		<comments>http://www.portlandmortgagebroker.net/the-45-rate-is-here.html#comments</comments>
		<pubDate>Sat, 10 Jan 2009 05:06:09 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>

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		<description><![CDATA[It&#8217;s elusive, but available to the patient amongst us. Twice in the last six weeks &#8211; once on December 17, and again yesterday &#8211; rates dipped down low enough to snag 4.5% with only a 1% origination fee. They only stayed there for a couple of hours each time before rapidly climbing back up again, [...]]]></description>
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		<title>Changes to FHA for 2009</title>
		<link>http://www.portlandmortgagebroker.net/changes-to-fha-for-2009.html</link>
		<comments>http://www.portlandmortgagebroker.net/changes-to-fha-for-2009.html#comments</comments>
		<pubDate>Sat, 03 Jan 2009 05:00:35 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>

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		<description><![CDATA[Where would we be right now without the FHA tool in our bag? This is the most diverse loan product available on the market today, and fits a multitude of different borrower profiles from folks with significant credit challenges or even no credit at all to those with stellar credit but small savings accounts. Statistics [...]]]></description>
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		<title>2009 is upon us. Do we pop the champagne cork?</title>
		<link>http://www.portlandmortgagebroker.net/2009-is-upon-us-do-we-pop-the-champagne-cork.html</link>
		<comments>http://www.portlandmortgagebroker.net/2009-is-upon-us-do-we-pop-the-champagne-cork.html#comments</comments>
		<pubDate>Tue, 30 Dec 2008 23:26:25 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>

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		<description><![CDATA[As we enter a new year, I can’t decide if I want to jump on the prediction band wagon like everybody else or just wish everyone a happy new year and let it be. Maybe a little bit of both is in order. Particularly for homeowners or prospective homeowners, it’s hard to fathom a happy [...]]]></description>
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		<title>Part II &#8211; fixing Sarbanes-Oxley</title>
		<link>http://www.portlandmortgagebroker.net/part-ii-fixing-sarbanes-oxley.html</link>
		<comments>http://www.portlandmortgagebroker.net/part-ii-fixing-sarbanes-oxley.html#comments</comments>
		<pubDate>Thu, 13 Nov 2008 22:07:37 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>

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		<description><![CDATA[Last week, I wrote about rule 157 of the Sarbanes-Oxley Act (SOX) and how it plays a significant role in what our nation’s best lenders are writing off as losses today. Now, I’d like to finish up with what I think is the best solution to this problem. To recap last week’s post, SOX was [...]]]></description>
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		<title>Negative equity as of 3rd quarter, 2008 &#8211; how are we faring?</title>
		<link>http://www.portlandmortgagebroker.net/negative-equity-as-of-3rd-quarter-2008-how-are-we-faring.html</link>
		<comments>http://www.portlandmortgagebroker.net/negative-equity-as-of-3rd-quarter-2008-how-are-we-faring.html#comments</comments>
		<pubDate>Tue, 11 Nov 2008 19:16:22 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/negative-equity-as-of-3rd-quarter-2008-how-are-we-faring.html</guid>
		<description><![CDATA[This morning I read an article on CNBC that really piqued my interest, and I set out on a mission to determine just what it meant to my clients and myself who own properties throughout the Portland &#038; Vancouver areas. The article had to do with the recently completed Negative Equity Data Report by real [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How is Sarbanes-Oxley costing us our sanity?</title>
		<link>http://www.portlandmortgagebroker.net/how-is-sarbanes-oxley-costing-us-our-sanity.html</link>
		<comments>http://www.portlandmortgagebroker.net/how-is-sarbanes-oxley-costing-us-our-sanity.html#comments</comments>
		<pubDate>Sat, 08 Nov 2008 19:54:31 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/how-is-sarbanes-oxley-costing-us-our-sanity.html</guid>
		<description><![CDATA[This is going to be one of my longest blog posts ever, but I think it’s critical that we understand what’s going on in our markets today so we can appropriately devise a long-term solution. We “solved” this problem once before in 2002, and made it only five years to the next bear market. Following [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Why are we letting lawmakers determine how to save our economy?</title>
		<link>http://www.portlandmortgagebroker.net/why-are-we-letting-lawmakers-determine-how-to-save-our-economy.html</link>
		<comments>http://www.portlandmortgagebroker.net/why-are-we-letting-lawmakers-determine-how-to-save-our-economy.html#comments</comments>
		<pubDate>Fri, 26 Sep 2008 18:59:02 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
				<category><![CDATA[Mortgage News]]></category>

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		<description><![CDATA[I think the title question says it all. We’ve heard from Treasury Secretary Paulson and Fed President Bernanke, both having proved themselves to be very creative problem-solvers and judicious managers of money, who say immediate implementation of this $700 billion plan is our best shot at protecting an ailing U.S. economy and financial system from [...]]]></description>
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